Things you always wanted to know the answer to [Vol. 3]
Discussion
gowmonster said:
apparently the heat that the car would lose to space is reflected by the trees.
http://articles.chicagotribune.com/1985-11-10/feat...
Penn State University does not come out looking very good in that article.http://articles.chicagotribune.com/1985-11-10/feat...
The heat most certainly ISN'T being lost to SPACE!!
Also the guy writing the article simply doesn't understand the issue at all... it's comedy.
He writes, "In other words, an unheated garage isn`t necessarily warmer than the ground outside, but it gives up its heat more slowly."
Yes, it does give up its heat more slowly, and guess what THAT MAKES IT WARMER YOU MORON.
At least, muppet non-astrophysicist bloke gets that right:
"Even when the frost is fairly thick, sometimes there`s none under the trees. The leaves essentially kept the air and ground just a little bit warmer than those areas open to the night sky. So frost doesn`t form."
wiggy001 said:
Can I get, for example, a German mortgage for my UK property and if not, why not? Google isn't helping but given that some EU lenders are offering very low rates, why can't we take advantage of them if we are all in the EU, free movement of trade and services etc?
You can if you can find a lender to do it.A bunch of Hungarians popped to Austria and found Euro denominated mortgages.
Then were absolutely destroyed as the Forint fell off a cliff vs. the Euro. IIRC.
So whenever you find what appears like good deals like this you have to be VERY careful about the FX risk.
In particular you might want to wait until after June 23rd before taking it on!
walm said:
wiggy001 said:
Can I get, for example, a German mortgage for my UK property and if not, why not? Google isn't helping but given that some EU lenders are offering very low rates, why can't we take advantage of them if we are all in the EU, free movement of trade and services etc?
You can if you can find a lender to do it.A bunch of Hungarians popped to Austria and found Euro denominated mortgages.
Then were absolutely destroyed as the Forint fell off a cliff vs. the Euro. IIRC.
So whenever you find what appears like good deals like this you have to be VERY careful about the FX risk.
In particular you might want to wait until after June 23rd before taking it on!
wiggy001 said:
I guess you are talking about someone like HSBC giving me a Euro mortgage, which would be done via their French/German etc subsidiary. I guess I'm wondering about getting something like Deutsche Bank's 1.1% apr mortgage on my UK home, which I don't think is possible but I'm not entirely sure why.
I am fairly sure that any loan that low would be in Euros.The reasons why they might not lend are many:
- DB have no expertise in assessing the creditworthiness of UK customers.
- DB have no valuation specialists they trust to value UK property.
- DB have no way to collect EUR direct debits or cash sterling cheques.
- DB aren't FCA registered in order to make retail loans in the UK.
Now obviously DB is one of the biggest banks in the world and CAN do all those things.
But since they don't have a high street presence or advertise in the UK or have ANY retail banking in the UK they have obviously CHOSEN to ignore the UK market.
Hence it isn't that they couldn't but that they won't.
And again the FX is key here.
If banks could make money loaning at 1.1% in STERLING then I assure you they would be doing so!
popeyewhite said:
227bhp said:
Why do some things need to wee and others not? I don't think birds, spiders or snakes go for a wee. Do fish wee?
They all wee.In the case of birds the urine is held in the cloaca where some of it is re-absorbed to save water and the rest of the waste is excreted through the cloacal vent. They don't expel urine through a urinary tract.
Edited by marshalla on Friday 11th March 12:03
marshalla said:
popeyewhite said:
227bhp said:
Why do some things need to wee and others not? I don't think birds, spiders or snakes go for a wee. Do fish wee?
They all wee.In the case of birds the urine is held in the cloaca where some of it is re-absorbed to save water and the rest of the waste is excreted through the cloacal vent. They don't expel urine through a urinary tract.
Edited by marshalla on Friday 11th March 12:03
wiggy001 said:
I guess you are talking about someone like HSBC giving me a Euro mortgage, which would be done via their French/German etc subsidiary. I guess I'm wondering about getting something like Deutsche Bank's 1.1% apr mortgage on my UK home, which I don't think is possible but I'm not entirely sure why.
Interest rates and currencies are connected. They can borrow euros at a certain rate and sterling at another so aren't going to lend you sterling at 1.1%. If they were somehow willing to lend you some euros to buy your home, you would have to convert them to buy it. A year later the pound could drop, putting your repayments up and possibly putting you into negative equity, conversely the euro could drop and you could end up with cheaper repayments.ambuletz said:
Why did some cars have the bonnet hinges at the front of the car instead of (the more common) method of having it nearer to the windsheild? As a kid I always thought to myself that if the bonnet opens up 'backwards' then it's a special car.
Maybe for safety, if the catch breaks it won't flip back onto the screen. Or to make it a pain in the ass to do any work under the bonnet?
Rostfritt said:
ambuletz said:
Why did some cars have the bonnet hinges at the front of the car instead of (the more common) method of having it nearer to the windsheild? As a kid I always thought to myself that if the bonnet opens up 'backwards' then it's a special car.
Maybe for safety, if the catch breaks it won't flip back onto the screen. Or to make it a pain in the ass to do any work under the bonnet?
Why is the number of attempts you have at entering a password before being locked out so often 3? If you're using a system with a general password that is changed every so often you can quite genuinely not know which of 2 passwords to use, so after both fail you don't know which one you mistyped. I can understand limiting attempts but what's so special about 3, would allowing 5 attempts really be less secure?
ambuletz said:
Why did some cars have the bonnet hinges at the front of the car instead of (the more common) method of having it nearer to the windsheild? As a kid I always thought to myself that if the bonnet opens up 'backwards' then it's a special car.
I wonder if the move to FWD had anything to do with it?Working on an engine where the banks face the flanks you'll do most work from the sides.
Rostfritt said:
Interest rates and currencies are connected. They can borrow euros at a certain rate and sterling at another so aren't going to lend you sterling at 1.1%. If they were somehow willing to lend you some euros to buy your home, you would have to convert them to buy it. A year later the pound could drop, putting your repayments up and possibly putting you into negative equity, conversely the euro could drop and you could end up with cheaper repayments.
My friend lives in France but works in Switzerland and is paid in Swiss Francs and has a Euro mortgage. Sometimes good, sometime bad...Gassing Station | The Lounge | Top of Page | What's New | My Stuff